Tuesday, May 29, 2007

flood insurance

Premiums "vary widely," depending on the individual risk, said Stevens. In determining price, Stevens explained, flood insurance underwriters consider several factors including a particular property's elevation,proximity to bodies of water, and whether the dwelling has a basement.

Kinerney states that the average premium plans is usually $500-$600 per year, and the average deductible is $500 if you live outside a floodplain, and $1,000
if you live inside a floodplain.

The benefits of strong vehicle dependability

The benefits of strong vehicle dependability are particularly high for manufacturers.

In addition to retaining their value better, brands that perform well in VDS have higher levels of owner recommendation and repurchase intent, and increased sales volumes compared to brands with average to poor dependability ratings.

Additionally, vehicles with high levels of reported problems have higher rates of failure of vehicle components such as brake pads, brake rotors and batteries, which is costly to manufacturers if the failure occurs while the vehicle is still under warranty.

maternity insurance

Be careful if you switch jobs during your next pregnancy. Don't assume you'll automatically be able to pick up coverage.

While the federal Health Insurance Portability and Accountability Act (HIPAA) says group health insurance plans can't consider pregnancy a pre-existing condition and can't exclude coverage for prenatal care or your baby's delivery,HIPAA's rules don't cover every woman.

HIPAA applies to every employer group health plan that has at least
two participants who are current employees, including companies that are self-insured. If you move from one individual plan to another or from a group plan to an individual plan, you might not get pregnancy coverage at all, or you might have to sit out a waiting period.
Be careful if you switch jobs during your next pregnancy. Don't assume you'll automatically be able to pick up coverage.

While the federal Health Insurance Portability and Accountability Act (HIPAA) says group health insurance plans can't consider pregnancy a pre-existing condition and can't exclude coverage for prenatal care or your baby's delivery, HIPAA's rules don't cover every woman.

HIPAA applies to every employer group health plan that has at least two participants who are current employees, including companies that are self-insured. If you move from one individual plan to another or from a group plan to an individual plan, you might not get pregnancy coverage at all,
or you might have to sit out a waiting period.

more on travel insurance

Trip cancellation/interruption coverage will reimburse you for any nonrefundable deposits you put down on a trip or cruise if it turns out that you won't be able to go after all, or if you have to leave early.

The catch? It will only pay out if you have to cancel or leave early because of a covered reason.

That's why it's so important to read the fine print. Some policies will cover only medical reasons (say you're admitted to the hospital), and some will not cover pre-existing medical conditions like an old back injury flaring up).